morgan. if you had to choose between the two, you would put them in morgan. >> do you have any disclosures to make, chris? do you own any of these bank stocks? >> no, i don't. i am a banker, but i don't have any personal holdings or any other management. >> great to have you on the show. chris whalen. >> he is author of "bull by the horns," about her front-row experience during the credit crash. she is back with us from our washington, d.c. bureau. sheila, you were and continue to be critical of pandit's leadership. >> over the past five years, the performance is down over 90%. the shareholders voted against his pay package last april. the board did what i think they needed to do. the performance was lacking. the shareholders have lost confidence. they needed to open a new chapter, and i think that is exactly what they did and they should be commended for doing that. >> i want to ask you about the board of directors. citi has 12 members, and 10 have joined since the credit crisis. lots of exp